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INCOME TAXES - Effective Income Tax Reconciliation (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Amount      
U.S. Federal income tax expense $ 625 $ 273 $ 473
Increase (decrease) resulting from:      
State and local income taxes (net of federal benefit) 126 54 73
Bank-owned life insurance (14) (12) (12)
Tax-exempt interest (7) (10) (15)
Tax advantaged investments (including related credits) (95) (68) (50)
Other tax credits (7) (6) (10)
Adjustments for uncertain tax positions 3 (1) 0
Non-deductible FDIC premiums 14 14 13
Legacy tax matters 0 (4) (19)
Other 13 1 7
Income tax expense $ 658 $ 241 $ 460
Rate      
U.S. Federal income tax rate 21.00% 21.00% 21.00%
Increase (decrease) resulting from:      
State and local income taxes (net of federal benefit) 4.20% 4.20% 3.20%
Bank-owned life insurance (0.50%) (0.90%) (0.50%)
Tax-exempt interest (0.20%) (0.70%) (0.70%)
Tax advantaged investments (including related credits) (3.20%) (5.30%) (2.30%)
Other tax credits (0.20%) (0.50%) (0.40%)
Adjustments for uncertain tax positions 0.10% (0.10%) 0.00%
Non-deductible FDIC premiums 0.50% 1.10% 0.60%
Legacy tax matters 0.00% (0.30%) (0.80%)
Other 0.40% 0.00% 0.30%
Total income tax expense and tax rate 22.10% 18.50% 20.40%